How to Auto Debit Citibank Credit Card Payments?

Citibank, having a presence in the UAE since 1964, is one of the most popular choices for individuals looking for credit cards in UAE. With a Citibank credit card, you can easily purchase your favourite items whenever you want and pay for them later. Moreover, with the bank offering rewards for transactions, you can use a Citibank credit card for shopping, hotel booking, rental cars, and more and make savings.

While using your credit card in UAE, however, you also need to be wary of defaulting on payments. Failing to make timely credit card payments can increase your debt and reduce your credit score. This, in turn, can hamper your chances of getting new loans and other services.

To avoid this situation, you can use the facility of Citibank auto debit credit payments. In this article, we will look at how you can use this service and seamlessly make all payments on time.

How Can You Pay Credit Card Bills?

As a holder of a Citibank credit card in UAE, while it is essential to make timely payments, going to a branch or bank every time may not be feasible. However, you can check out some easy ways to pay your credit card bills timely without any major hassle.

Citibank Auto Debit Credit Card Payments

With a direct debit payment instruction, Citibank will automatically receive payment from the designated bank account on the due date for your Citibank credit cards, depending on your instructions. For instance, if you wish to make regular payments with different payment amounts from one to the next, you can use Citibank auto debit credit card payments.

How to Set up a Direct Debit from a Non-Citibank Account?

You can easily utilise the direct debit or Citibank auto debit credit card payment option from your bank account. The direct debit form can be easily obtained from the official website of the bank. Once done, you can fill out the required information and send an email to the official email address of the bank -

Citibank

Direct Debit Credit Cards

P.O.Box 749

Dubai

Note that you can also submit it to the nearest branch of Citibank.

Setting Up Direct Debit Online

Once you are on the official website of Citibank UAE, you can complete the following steps -

• Login to your online bank account
• You can then click on the ‘Setup Direct Debit’ option in the section for payments and transfers.
• Choose the ‘Add New Direct Debit’ option.
• After entering the OTP (sent to your registered phone number), you can provide details related to your specified account, the receiver, and more.
• You can then confirm the details to set up Citibank auto debit credit card payments.

Remember, once the direct debit Instruction has been started, your Citibank account has sufficient money to cover what is owed to the recipient. Multiple direct debit requests will be handled in a first-in-first-out manner. The requests will not be honoured if there is insufficient money in your Citibank account, and the bank will refund the direct debit without contacting you first. If there is a shortage, you will also be liable for any penalties and costs imposed by the bank.

What are the Other Options for Making Citibank Credit Card Payments?

While you can always use Citibank auto debit credit card payments, let’s have a look at the other methods to pay your Citibank credit card bills in the UAE -

Exchange Houses

The UAE Funds Transfer System (UAEFTS) allows you to use an exchange house to pay the remaining balance on your Citibank credit card. Note that The UAE Central Bank hosts the Real Time Gross Settlement (UAEFTS) system.

By using your accounts held with the Central bank, the system makes it possible for banks in the UAE to transfer money. However, you should know that the exchange house could charge a transaction fee to receive the money.

Online Transfer From your Citi Account

• Visit the website of Citibank UAE and log into your account. You can also use the official Citi Mobile app for this.
• Choose the credit card that you want to pay the bills for.
• Choose the account that you wish to pay from.
• Enter the amount and date, click "Next", and provide confirmation to make the payment. 

Online Transfer from Other Bank Accounts

• Log into your online Citibank UAE account.
• Choose the 'Payments and Transfers' option and click on 'Other UAE Credit Card.'
• Type in the requested personal details - this will include your name, email address, and contact number.
• Enter the number of the Citibank credit card for which you want to pay the bill.
• Type Citibank as the issuing bank and 'Oud Metha, Dubai' as the address.
• Enter the amount to be paid and mention the purpose of the transfer.
• The payment will be made once you confirm.

Wrapping Up

The Citibank auto debit credit card payment option enables you to initiate the payment from the designated bank account on or before the due date for your Citibank credit card. This feature makes the whole process of paying credit card bills hassle-free and eliminates any chances of a payment default.

Having said that, once the payment is clear from your account, check the credit cards bill status and confirm the same. In case of any discrepancy, you can connect with the bank to know more about the issue and resolve it.

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